Many states enforce specific regulations on payday loans, so where you live can affect the terms and conditions of your loan, or prohibit you completely from getting a cash advance. For example, some states limit the amount of time you can take out a payday loan, while others set a maximum loan amount. Learn about the regulations in your state, and double check with your lender if you have any additional questions about how you can receive your next payday loan.

States Prohibiting Payday Loans
Some states prohibit payday loans, either explicitly or through small loan rate caps. Refer to the list below to find out if your state has any type of restrictions on payday loans.

Payday Loans Prohibited

Arizona

Arkansas

Connecticut

Georgia

Maryland

Massachusetts

New York

New Jersey

North Carolina

Pennsylvania

Vermont

West Virginia

Washington, DC

States With Small Loan Rate Caps
Rather than strictly prohibiting payday loans, the following states restrict the amount of annual interest charged on small loans. Some have an outright cap, while others provide for tiered rates depending on the loan amount and repayment time.

Colorado

Maine

Montana

New Hampshire

Ohio

Oregon

States With Few or No Regulations
The following states either have no regulations on payday loans or allow interest rates in the triple digits. These are the easiest states for consumers to receive payday loans.

Alabama

Alaska

California

Delaware

Florida

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Michigan

Minnesota

Mississippi

Missouri

Nebraska

Nevada

New Mexico

North Dakota

Oklahoma

South Carolina

South Dakota

Tennessee

Texas

Utah

Virginia

Washington

Wisconsin

Wyoming

For a full list of payday loan regulations listed by state, visit the National Conference of State Legislatures for a quick reference. Online lenders generally also list specific restrictions by state to help guide you through the loan application.

Valerie MellemaAuthor & writer

Article writer

Valerie is an adept writer with over 10 years of experience as a journalist. Her official launch into the journalism profession was as an Associate Editor for the College newspaper published in the Tulsa community. She has authored many books/guides. She has a degree from the West Texas A&M University. You can connect with Valerie on LinkedIn https://www.linkedin.com/in/wordsyouwant/. Read more about us »